:If this crisis proves nothing else, it proves you cannot help people by lending them more money than they can pay back. <ref>[http://www.heartland.org/article/24759/Deregulation_and_the_Financial_Panic_Loose_Money_and_Politicized_Mortgages_Are_the_Real_Villains.html Politicized Mortgages Are the Real Villains]
+
:If this crisis proves nothing else, it proves you cannot help people by lending them more money than they can pay back.<ref>[http://www.heartland.org/article/24759/Deregulation_and_the_Financial_Panic_Loose_Money_and_Politicized_Mortgages_Are_the_Real_Villains.html Politicized Mortgages Are the Real Villains]